Business Loan Requirements (2026): What You Actually Need
See how much your business qualifies for
$25K to $5M — approved on your revenue, funded in as little as 24 hours. A direct funder built for speed. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Frequently asked questions
What credit score do I need for a business loan?
Do I need tax returns?
How much revenue do I need?
Can a newer business qualify?
Does checking requirements affect my credit?
See if you qualify
Apply in 5 minutes with a soft credit pull. Find out what you're approved for.
Apply Now →Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.
Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why owners choose Direct Fast
A direct funder — no broker layer, no runaround. Fast capital approved on your revenue.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.
Direct funder — no brokers
You deal with the funder, not a middleman. Faster answers, better terms, no stacked markups.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, not just your score.
Ready to get funded?
Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
See how much your business qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute